Hi,

Do you have more details on this........

Citi Checking (100, fund 1500 for 60 days. There is potential for another 100 for DD or paying 2 bills a month for 6 months. Call in code: MGCH)

Any expiration date??

there is no hard limit on # of cards you can have from a certain issuer, you may be limited by total CL based on your income etc... The limits people talk about are for applying for new cards
i.e.
citi 2 "core", 2 cobranded, 2 business within 30/60 days?
chase 1 card withing 30 or 60 days
AMEX: - don't know if they have a limit(if they do it's at least 2 personal and 3 business).
So I can do an AOR today and get 2 "core" citi cards and then another AOR in 6-8 month and get another 2 "core" citi cards.

After you pay off BTs you can consolidate your existing cards in to the old one's or just keep them open(who knows you may get nice promos on existing accounts too - 0% BTs or bonus CashBack). During next AOR you can reallocate most CL to the newly opened cards from the same issuer to maximize the BT.

last week we applied for (among others) two Chase cards: Visa Signature and WorldCard MasterCard. We got approved for both and received them today. So i'd say even with Chase it's at least 2 cards.

fotomaniak said:
chase 1 card withing 30 or 60 days

I started my accounts-o-rama, but I will have to hold off on the netbank/citi accounts until i can pull the 10,000 out of fidelity. It looks like it will take a week for the ACH moneyline to be set up, and then probably a week for the account to be credited the 100.

I probably could have planned the account openings a little better, but the 10,000 that fidelity is tying up pretty much restricts what I can do since that is about all I have to throw around right now.

On the CC front, I have had no denials, and with some future consolidation, the BT money will start flowing soon. CardOffes is showing pending payments for half of the cards that I know I have been approved for. I think that's pretty good since it is still under a week.

Any updates on the BofA cards? I heard that they only allowed one cc app per 24 hours but it looks like you applied for two. Just wondering if you were approved for both.

Time for an update:

Approvals of note:
- I was approved for both Discover cards, 1 personal and 1 business

- a low 700 CL on the HSBC/GM Card. Not surprising from HSBC, but slightly insulting. I called and asked for an increase, they said they might (50/50) have to do a credit pull. I said fine, i don't care if they decide to close the card, and an extra inquiry will not hurt me that bad in the grand scheme of things.

- still no word on the 2nd BofA card.

Denials started coming in, so I think that I am officially maxed out on inquiries.

I have received the vast majority of the cards, and have been activating/making a purchase. I am starting the BT process, and here is how that is going:

- Advanta Bus: They did a transfer of 8900 (89%) directly to my checking account.

- Chase: I am clearing the balance on my original card, and am going to transfer 14,000 to the Sony card, giving me 18,000 on that card. The sony card sent a BT check with the welcome packege, so I can use that to deposit into my checking. I called and requested more BT checks, and after an initial no, she was able to send me some more.

- AMEX: 10K on blue, 10K on in:nyc, and 3600 on the business card. I am going to transfer everything I can to the nyc card, and do a BT from there. My problem is how I am actually get this money. My citi lines aren't really much help since they are all stuck at around 4000, and they are giving a lot of trouble reallocating it. My thought is to put the chase sony BT into my checking, then BT from AMEX to chase sony, and then take another chase sony BT into my checking account. I would have to pay the chase BT fee twice, but since AMEX has no fee, it would just be like paying an AMEX Bt fee. I do have the 25K PenFed line, but I am not sure how to run up the balance on that. Cash advances are limited to $500/day, and I don't have balances anywhere to pay off. I would like to avoid having a credit on most of my citi cards at the same time.

- PNC: supposedly they will be sending BT checks for deposit into checking. I should be receiving these any day now.

- Discover: same issue as AMEX, but this bt (10,500) is lower than the AMEX (19,000). I am thinking that I will use the PNC card (BT then pay off with discover) and 2 of my 4 citi cards. I think credits on 2 out of the 4 citi cards is not the best situation, but I am kinda stuck here.

I have to think through the BT process some more, but I am at least starting to get it done.

EDIT: I realized I have 4 Citi cards, not 3.

therivler1 said:AMEX will send BT checks for some.

Hate to bust your bubble but per the terms on the app on cardoffers...

Balance Transfer APR: 0.00% (0.0000% DPR) during the first 6 months of Cardmembership on balance transfer requests submitted on this application.

I noticed this earlier when I was thinking about applying for the IN:LA card.

Maybe you can call and ask if they can make an exception though. Worth a shot at least.

charliek said:per the terms on the app on cardoffers...

Balance Transfer APR: 0.00% (0.0000% DPR) during the first 6 months of Cardmembership on balance transfer requests submitted on this application.

I noticed this earlier when I was thinking about applying for the IN:LA card.

Actually those BT terms above I copied from the cardoffers IN:NY app. They were the same as the IN:LA app.

therivler1 said:Time for an update:...

- ... I do have the 25K PenFed line, but I am not sure how to run up the balance on that. Cash advances are limited to $500/day, and I don't have balances anywhere to pay off. I would like to avoid having a credit on most of my citi cards at the same time.

...
About a month after I opened my PenFed, I got a bunch of no-fee Cash Advance checks in the mail, which are good up to the CL. Also, as this thread details, they on occasion send 5.49% BT checks. In the same thread, I describe how I used their online BT apparatus to send a check to my GMAC money market. This is of course, YMMV, but I've done it twice - albeit for small amounts.

Cheers, sonnysighedup

Did you get the PNC business card as well? I was thinking of applying for that card. The card will make sense for us if we can get a line of 15-20K

Rob